Sr. Credit Review Auditor

Job SummaryThe Senior Credit Review Auditor is responsible for performing a variety of loan review activities which aid in the evaluation of Northwest's commercial, business banking and retail loan portfolios including collecting loan and information system data, analyzing documentation and financial data, and establishing account risk ratings. The Senior Credit Review Auditor will be responsible for providing Management with objective evaluations of the overall credit quality of the Bank as included from time-to-time compliance with policies and procedures and other portfolio trends including geographic concentrations, climate and emerging credit risks. The Senior Credit Review Auditor performs and completes internal credit audits as assigned while researching and interpreting relevant regulations, policies, and procedures to assist in determining the scope and design of a credit audit program. This position is guided by general instruction and a reasonable amount of supervision, this candidate demonstrates a fair level of autonomy and ability to exercise independent judgement.Essential FunctionsEnsure document and data integrityManage personal workload/workflowIdentify and resolve problems/issuesRecommend opportunities for improvements to review processDetect common themes & emerging risksContinue professional educationReview sampled commercial loan relationshipsGather and analyze loan related financial informationIdentify early signs of loan problemsAnalyze financial performance of ObligorPerform annual credit quality reviews for relationships over $1,000,000Confirm or amend risk rating as appropriateComplete/update Loan Review Summaries for relationships over $1,000,000Execute loan review strategy as defined by ManagementPerform target loan reviews based on emerging risk factorsFacilitate monthly reporting of progress and emerging risk factorsEvaluate effectiveness of credit policies and procedures, identify weaknesses, provide suggestions for strengtheningKnowledge of Credit360/BancAudit/Nautilus/CBS/Data Analysis Tool/Audit Management SoftwareKeep track of and update schedule of whereabouts during auditsMeet departmental continuing education requirementsBe familiar with Northwest documentation/processes/proceduresResearch/interpret relevance of specific regulations/current literatureAssist in developing the scope, audit objectives, and audit program based on assessed risk of business unit/subject matterAssist in determining staffing requirements for AuditOversee/collect specific samples/dataOversee/record detailed information/data from samplesCheck results (findings) against samples for proper evidenceOversee/compile working papers as appropriateSummarize results/findingsAnalyze results as related to NorthwestPrepare meeting materials (soft, and final exits)Present relevant findings appropriately to department manager and auditorsProduce various audit reports/management letters/credit reportsAppraise adequacy of the corrective action taken to improve deficient conditionsWork with relevant personnel during the audit processEnsure compliance with Northwest’s policies and procedures, and Federal/State regulationsNavigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiencyWork as part of a teamWork with on-site equipmentEducation, Experience + SkillsBachelor’s degree in Accounting, Finance or Business Administration preferred5-6 years of Credit review/business related experience required3-5 years of Bank auditing experience preferred3-5 years of customer service and general business-related experience preferredAbility to apply advanced financial analysis techniquesAbility to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areasThe pay range for this position is generally $38.46 – $48.07 per hour. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.